Shopping at Walmart—whether in-store or online—can become even more rewarding when you use the right credit card. With the right strategy, you can earn cashback, points, or exclusive discounts just by paying with a card designed to match your spending habits.
This guide breaks down the best credit card options for Walmart purchases, depending on how you shop and what kind of rewards you’re after.
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Why the Right Credit Card Matters for Walmart Purchases
Walmart sells almost everything—groceries, tech, furniture, clothing, and more. Since your spending here could cover many budget categories, choosing a credit card that aligns with Walmart’s platforms (in-store, online, and app) can give you significant returns.
Benefits of using the right credit card for Walmart include:
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Extra cashback or points on purchases
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Bonus rewards through Walmart Pay or the Walmart app
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Introductory offers with high return potential
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Perks like no annual fees, flexible redemptions, and more
What to Consider When Choosing a Walmart Credit Card
When deciding which card is best, here are the most important features to evaluate:
| Feature | What to Look For |
|---|---|
| Walmart-Specific Rewards | Higher cashback rates at Walmart.com, Walmart app, or in-store |
| Mobile Wallet Bonuses | Cards that reward purchases through Walmart Pay or other digital wallets |
| Welcome Offers | Intro bonuses that reward spending in the first few months |
| Annual Fees | Some premium cards offer better rewards but come with a yearly cost |
| Reward Categories | Bonus cashback for online shopping, groceries, or superstores |
| Spending Caps | Limits on how much spending qualifies for rewards each quarter/year |
| Redemption Options | How easy it is to redeem rewards—cash, gift cards, travel, etc. |
Best Credit Cards for Walmart Shopping
Let’s look at some of the best credit cards that help maximize your Walmart purchases.
1. Capital One Walmart Rewards® Mastercard®
Best For: Walmart.com and app users
Key Rewards:
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5% cashback on Walmart.com and through the Walmart app
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5% cashback in Walmart stores if you use Walmart Pay (first 12 months)
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2% cashback on travel and dining
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1% cashback everywhere else
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No annual fee
Pros:
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Top-tier rewards for online and app purchases
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Good bonus on in-store purchases during the first year
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No fees make it accessible for most people
Cons:
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In-store cashback drops to 2% after the first year
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Requires using Walmart Pay for in-store bonuses
2. Walmart OnePay CashRewards Credit Card
Best For: Walmart+ subscribers and regular in-store shoppers
Key Rewards:
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5% cashback at Walmart (with Walmart+ membership)
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3% cashback at Walmart without Walmart+
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1.5% cashback on all other purchases
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No annual fee
Pros:
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Consistent high cashback for Walmart+ members
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Simple reward structure
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Works well for both in-store and online purchases
Cons:
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Walmart+ membership required for top rewards
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Lower reward rate for non-Walmart purchases
3. Rotating Category Cards
Examples: Discover it® Cash Back, Chase Freedom Flex®
Best For: People who track and optimize quarterly rewards
Key Rewards:
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5% cashback on rotating categories (e.g., Walmart, groceries, gas, etc.)
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1% cashback on other purchases
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Discover matches first-year cashback for new cardholders
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No annual fee
Pros:
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High rewards during relevant quarters
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Great intro offers
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Good for strategic shoppers
Cons:
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Must activate categories every quarter
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Spending limits apply (usually $1,500 per quarter)
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Walmart isn't always included
4. Flat-Rate Cash Back Cards
Examples: Wells Fargo Active Cash®, Citi Double Cash®
Best For: Simplicity and steady rewards across all purchases
Key Rewards:
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2% cashback on every purchase (Wells Fargo Active Cash)
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1% cashback when you buy + 1% when you pay (Citi Double Cash)
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No rotating categories or tracking required
Pros:
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Simple and predictable
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Ideal for those who want one card for everything
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No annual fee
Cons:
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Doesn’t offer Walmart-specific bonuses
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Misses out on higher category-based rewards
Walmart Card Comparison Table
| Card | Walmart Rewards | Other Rewards | Best For | Fee |
|---|---|---|---|---|
| Capital One Walmart Rewards | 5% online / app, 5% in-store via Walmart Pay (year 1), then 2% | 2% travel/dining, 1% everywhere else | Online/app orders, Walmart Pay users | $0 |
| Walmart OnePay CashRewards | 5% with Walmart+, 3% without | 1.5% everywhere else | In-store shoppers with Walmart+ | $0 |
| Discover it® / Chase Freedom Flex® | 5% on rotating categories incl. Walmart (some quarters) | 1% elsewhere | Optimizers who track bonuses | $0 |
| Flat-Rate Cards (Wells Fargo Active Cash®) | 2% everywhere | 2% everywhere | Users who want simplicity | $0 |
Shopper Scenarios and Best Card Match
Here are some examples to help you identify which card might suit your lifestyle:
✅ Online & App Shoppers
Best Choice: Capital One Walmart Rewards®
Why: 5% cashback through Walmart.com and the app, plus grocery pickup
✅ Walmart+ Member Shopping In-Store
Best Choice: Walmart OnePay CashRewards
Why: Get full 5% cashback when you use your membership
✅ Strategic Cashback Hunter
Best Choice: Discover it® or Chase Freedom Flex®
Why: Excellent during quarters when Walmart is a bonus category
✅ Low-Maintenance Spender
Best Choice: Wells Fargo Active Cash®
Why: Flat 2% cashback on all purchases without category tracking
Tips to Maximize Walmart Credit Card Rewards
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Use Walmart Pay during the first year with the Capital One card for 5% in-store cashback
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Pair multiple cards (e.g., a flat-rate and a rotating bonus card) to boost returns
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Monitor reward category calendars and activate quarterly bonuses
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Keep track of spending caps on rotating category cards
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Always pay your balance in full to avoid interest canceling out your cashback
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Consider Walmart+ if the 5% bonus is worth the membership fee for you
Final Thoughts: Picking the Right Walmart Credit Card
Whether you shop at Walmart for groceries, home essentials, or electronics, there's a card that can stretch your dollar further.
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The Capital One Walmart Rewards Mastercard offers top value for online and app-based shoppers.
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The Walmart OnePay Card is a great choice for in-store fans with a Walmart+ membership.
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For those who enjoy chasing rotating rewards, Discover it® and Chase Freedom Flex® are great fits.
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If you prefer a hands-off, consistent approach, go with a flat-rate cashback card like Wells Fargo Active Cash®.
Choosing the right card depends on where and how you shop. With just a bit of planning, your everyday Walmart purchases can earn you serious rewards.
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